Office management solution

1. A business practice management system, comprising: a hub-and-spoke web-based client/server architecture including a plurality of remote client terminals each including a resident non-transitory computer-readable storage medium, one client terminal for each primary participant in a default mortgage case including at least an Investor, Loan Insurer, Mortgage Lender, Loan Servicer, Loan Service Counselor, Vendor, Foreclosure Attorney, Title Company, and Business Process Outsourcing (BPO) Vendor, Realtor, and Property Inspection Company, and a web server in direct communication with all of said client terminals through an Internet backbone; a Uniform Resource Locator (URL) web portal assigned to each of said participants, said web portal including links to a plurality of index-tabbed webpages each including content for guiding the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition; a central database of information stored on a non-transitory computer-readable storage medium resident on said web server and storing case-specific loan records including personal and financial information or mortgagors; a local database stored on said non-transitory computer-readable storage medium resident on each of said remote client terminals and containing a mirrored subset of said central database of information resident on said web server; and a modular array of web-based software stored on non-transitory computer-readable storage medium resident on said web server for data exchange with the various participants and the various third party applications used by those participants that facilitates dialogue, guides and educates the participants, tracks activity, and provides information necessary for a speedier resolution, said modular array of software further comprising at least the following software modules, a communication software module comprising computer instructions for controlling data communication between said web server and any one of said remote client terminals and directly between any plurality of said remote client terminals, and for storing and synchronizing said mirrored local copy of said central database of information on each of said remote client terminals, and, a system administration software module in communication with said communication software module comprising computer instructions for maintaining a record of user permissions, and for selectively enabling said communication software module to communicate data along said hub-and-spoke web-based client/server architecture such that data communication may selectively occur in accordance with said record of user permissions directly between two of said remote client terminals, but synchronization of said mirrored local copy of said central database of information to each of said remote client terminals is through said web server as follows, write mirrored data from a local database on a remote client terminal to the central database resident on said web server in accordance with said record of user permissions, and read mirrored data from the central database resident on said web server to a local database on a remote client terminal in accordance with said record of user permission and a Task Tracking Module comprising computer instructions for tracking each said data communication between said remote client terminals, and for tracking each said synchronization of said mirrored local copy of said central database of information to each of said remote client terminals through said web server, said Task Tracking Module also tracking activity by the respective participants through all of the default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition.

2. The business practice management system according to claim 1 , wherein said modular array of web-based software further comprises a Business Tools module for emailing, faxing, and document processing, and a Business Processes module for collaborative work on a specific default loan workout case.

3. The business practice management system according to claim 2 , wherein said Business Processes module further includes a plurality of business case management applications, document management applications, and administrative applications for processing said incoming data to produce said data outputs.

4. The business practice management system according to claim 3 , wherein said software modules are open architecture to allow adding, upgrading and swapping of software modules.

5. The business practice management system according to claim 3 , wherein said Business Processes module further includes Foreclosure Module for guiding a user through administration of a foreclosure action, a Bankruptcy Module for guiding the user through administering a bankruptcy action, an eviction Module for guiding a user through administering an eviction proceeding, a Litigation Module for guiding a user through a civil court action, a Loss Mitigation Module for guiding a user through a loss mitigation settlement, and a Consumer Credit Counseling Service (CCCS) Module for guiding a user through provision of consumer credit counseling to a defaulted mortgagor.

6. A computer-implemented business practice management method for managing workflow and communications for participants in a default mortgage case, the method comprising the steps of: providing a hub-and-spoke web-based client/server architecture including a plurality of remote client terminals each including resident non-transitory computer-readable storage medium, one client terminal for each primary participant in a default mortgage case including at least an Investor, Loan Insurer, Mortgage Lender, Loan Servicer, Loan Service Counselor, Vendor, Foreclosure Attorney, Title Company, and Business Process Outsourcing (BPO) Vendor, Realtor, and Property Inspection Company, a web server in direct communication with all of said client terminals through an Internet backbone; providing a central database of information stored on non-transitory computer-readable storage medium resident on said web server and storing case-specific loan records including personal and financial information on mortgagors, and a local database stored on said non-transitory computer-readable storage medium resident on each of said remote client terminals and containing a mirrored subset of said central database of information resident on said web server; assigning a Uniform Resource Locator (URL) web portal to each of said participants, said web portal including links to a plurality of webpages each including content for guiding the respective participants through all of said default loan resolution steps of collection, loss mitigation, foreclosure, eviction, bankruptcy, claims, Real Estate Owned (REO) acquisition and maintenance, and REO disposition, and for displaying and updating said default mortgage case history and borrower information during each of said default loan resolution steps; and providing a modular array of web-based software stored on non-transitory computer-readable storage medium resident on said web server for data exchange with the various participants and the various third party applications used by those participants, said modular array of software further comprising at least a case management software module, a communication software module comprising computer instructions for controlling data communication between said web server and any one of said remote client terminals and directly between any plurality of said remote client terminals, a Task Tracking Module, and a system administration software module in communication with said communication software module and comprising computer instructions for maintaining a record of user permissions, and for selectively enabling said communication software module to communicate data along said hub-and-spoke web-based client/server architecture, and for storing and synchronizing said mirrored local copy of said central database of information on each of said remote client terminals such that data communication may selectively occur in accordance with said record of user permissions directly between two of said remote client terminals, but synchronization of said mirrored local copy of said central database of information to each of said remote client terminals is through said web server; one of said participants accessing case management software module in accordance with pre-assigned permissions, said case management software module guiding said participant through all of all of said default loan resolution steps to facilitate data entry of information necessary for a speedier resolution; communicating said data directly between remote client terminals by said communication software module selectively allowing said data communication in accordance with said record of user permissions; writing mirrored data from a local database on a remote client terminal to the central database resident on said web server by said communication software module selectively allowing said writing in accordance with said record of user permissions, and reading mirrored data from the central database resident on said web server to a local database on a remote client terminal by said communication software module and selectively allowing said reading of mirrored data in accordance with said record of user permissions; tracking each said data communication between said remote client terminals, and tracking each said synchronization of said mirrored local copy of said central database of information to each of said remote client terminals through said web server, using said software Task Tracking Module.

7. The computer-implemented business practice management method according to claim 6 , wherein said modular array of web-based software further comprises a Business Tools module for emailing, faxing, and document processing by said participants, and said steps further comprise one of said participants accessing said Business Tools module for faxing a document.

8. The computer-implemented business practice management method according to claim 7 , wherein said modular array of web-based software further comprises a Business Process module for collaborative work on a specific default loan workout case, and said steps further comprise at least two of said participants accessing said Business Processes module for collaborating work on a specific default loan workout case.

9. The computer-implemented business practice management method according to claim 8 , wherein said Business Process module further includes a plurality of business case management applications, document management applications, and administrative applications for processing incoming data during all of said default loan resolution steps to produce said data outputs, and said step of at least two of said participants accessing said Business Processes module for collaborating work on a specific default loan workout case comprises importing data in XML/XLS/CSV/Flatfile format into said central database.

10. The computer-implemented business practice management method according to claim 7 , further comprising a step of said communication software module controlling all of said software modules and participants in accordance with the administration software module record of permissions.

11. The computer-implemented business practice management method according to claim 6 , wherein said software modules are open architecture to allow adding, upgrading and swapping of software modules.

12. The computer-implemented business practice management method according to claim 8 , wherein said step of at least two of said participants accessing said Business Processes module for collaborating work on a specific default loan workout case further comprises providing said users a selection of a Foreclosure Module for guiding a user through administration of a foreclosure action, a Bankruptcy Module for guiding the user through administering a bankruptcy action, an eviction Module for guiding a user through administering an eviction proceeding, a Litigation Module for guiding a user through a civil court action, a Loss Mitigation Module for guiding a user through a loss mitigation settlement, and a CCCS Module for guiding a user through provision of consumer credit counseling to a defaulted mortgagor.

13. The computer-implemented business practice management method according to claim 6 , further comprising a step of mirroring said local databases to said central data repository for access by said participants.

14. The computer-implemented business practice management method according to claim 6 , wherein said Business Tools module further comprises an email Listener module, and said steps further comprise said email Listener module interpreting the subject line of emails for indexing and abstracting any attached documents.

15. The computer-implemented business practice management method according to claim 10 , further comprising a step of all of said participants sharing said Business Tools module via said communication layer, in accordance with the participant's assigned permissions level.

16. The computer-implemented business practice management method according to claim 12 , further comprising a step of said Loss Mitigation Module guiding the user through a loss mitigation settlement by displaying a series of forms containing a series of questions to be asked of a borrower all relating to various loss mitigation solutions, various borrower reasons for not repaying a loan, and provides a data entry capability for recording answers.

17. The computer-implemented business practice management method according to claim 16 , further comprising a step of said Business Processes Module allowing said user to record answers to said series of questions asked of said borrower and updates said database with said recorded answers.